BlastPoint's Credit Union Scorecard
SOUTH CENTRAL
Charter #62143 · MI
SOUTH CENTRAL has 3 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Assets: Top 5.7% in tier
- + Total Deposits: Top 5.9% in tier
- + Total Members: Top 6.5% in tier
Key Concerns
Areas that may need attention
- - ROA 0.32% below tier average
- - Efficiency ratio 9.17% above tier (higher cost structure)
- - Member decline: -5.2% YoY
- - Indirect Auto Concentration (%): Bottom 2.7% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
6,777
-5.2% YoY+0.7% QoQ
|
+4.2K |
2,625
-2.2% YoY
|
35,456
+8.6% YoY
|
33,089
+6.1% YoY
|
Top 6.6% in tier |
| Assets |
$84.7M
+1.8% YoY-1.4% QoQ
|
+$54.8M |
$29.9M
+1.1% YoY
|
$650.8M
+12.6% YoY
|
$547.7M
+7.8% YoY
|
Top 5.7% in tier |
| Loans |
$39.1M
-1.7% YoY+3.1% QoQ
|
+$23.3M |
$15.8M
-2.4% YoY
|
$461.6M
+14.9% YoY
|
$388.7M
+8.6% YoY
|
Top 11.1% in tier |
| Deposits |
$72.4M
+1.8% YoY-0.5% QoQ
|
+$46.9M |
$25.5M
+0.4% YoY
|
$550.3M
+12.5% YoY
|
$464.6M
+9.3% YoY
|
Top 5.9% in tier |
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| ROA |
0.4%
-59.5% YoY+28.2% QoQ
|
-0.3% |
0.7%
-731.4% YoY
|
0.8%
-27.1% YoY
|
0.7%
+273.4% YoY
|
30% |
| NIM |
3.7%
-5.7% YoY+1.4% QoQ
|
-0.2% |
3.9%
+3.8% YoY
|
3.7%
+8.5% YoY
|
3.7%
+5.0% YoY
|
44% |
| Efficiency Ratio |
90.6%
+12.0% YoY-3.5% QoQ
|
+9.2% |
81.4%
-2.4% YoY
|
76.1%
-1.3% YoY
|
79.1%
-3.3% YoY
|
78% |
| Delinquency Rate |
0.5%
+49.0% YoY-5.4% QoQ
|
-1.0 |
1.5%
-2.0% YoY
|
0.9%
-19.7% YoY
|
1.2%
-0.9% YoY
|
43% |
| Loan To Share |
54.0%
-3.5% YoY+3.6% QoQ
|
-7.3% |
61.2%
-3.0% YoY
|
68.1%
+0.3% YoY
|
68.0%
-1.7% YoY
|
38% |
| AMR |
$16,447
+6.1% YoY+0.0% QoQ
|
+$2K |
$14,627
-2.7% YoY
|
$22,054
+2.5% YoY
|
$19,418
+1.3% YoY
|
65% |
| CD Concentration |
4.3%
+22.5% YoY-1.8% QoQ
|
-20.1% |
24.4%
+4.2% YoY
|
18.6%
+6.0% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
40.5%
+4.8% YoY+10.6% QoQ
|
+26.6% |
14.0%
-5.7% YoY
|
11.9%
-2.7% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
Concerns (0)
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)